What’s the minimum deposit I need?

Most lenders require at least 5%, but putting down more can unlock better rates and lower monthly payments.

Do I need to speak to a mortgage broker?

We can introduce you to a regulated mortgage broker where advice is required. They’ll recommend the right mortgage based on your specific needs.

How long does the process take?

On average, it takes 4 to 8 weeks from mortgage application to offer — but it can vary depending on the lender and legal process. We’ll help keep things moving.

Can I combine multiple pensions into one?

Yes — pension consolidation is common, but depends on your scheme types and if any benefits would be lost.

What if I don’t know where my pensions are?

We’ll help you track them down using pension tracing tools and provider contact checks.

Can I access my pension early?

Generally from age 55 (rising to 57 in future), but early access may reduce your future income.

Calculators - Mortgage Broker Sutton

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Stamp Duty for First-Time Buyers

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Buy-to-Let/Second Homes Calculator

Stamp Duty for Buy-to-Let/Second Homes

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Mortgage Calculator

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Mortgage Overpayment Calculator

Current Mortgage Balance (£): Annual Interest Rate (%): Term Left on Mortgage (years): Monthly Overpayment Amount (£):

Calculators

Stamp Duty for First-Time Buyers

Stamp Duty for Buy-to-Let/Second Homes

Mortgage Calculator

Mortgage Overpayment Calculator

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